CardX

CardX offers credit card payment processing solutions designed for payment processors and ISOs, enabling partners to assess surcharges in compliance with applicable state and card network surcharging rules. The company provides a 0% cost credit card surcharging option for businesses, allowing them to keep 100% of every credit card sale while only paying for debit card transactions. CardX serves both business and government + education sectors, offering tailored solutions for eligible institutions. Their turnkey solution complies with all surcharging rules and regulations and includes a customer-friendly option where customers can choose debit as a no-fee alternative. Operating in 48 states plus the District of Columbia, CardX does not serve businesses in Connecticut and Massachusetts, and is available in Maine and New York with additional terms. The company provides various payment processing solutions, including online, in-office, and in-person options, all of which are PCI Level 1 compliant for best-in-class security. CardX is integrated with Click to Pay to reduce friction during online checkouts and offers custom terminals with EMV Quick Chip starting at $35 per month, as well as a virtual terminal starting at $29 per month. Since 2020, CardX has delivered significant savings to its customers by helping businesses increase their margins without the hassle of interchange fees. The company was acquired by Stax, a payments technology company.